Fire and floods...

A lawyer and an engineer were fishing in the Caribbean.
The lawyer said, "I`m here because my house burned down and everything I owned was destroyed by the fire. The insurance company paid for everything."
"That`s quite a coincidence," said the engineer. "I`m here because my house and all my belongings were destroyed by a flood, and my insurance company also paid for everything."
The lawyer puzzedly asked, "How do you start a flood?"

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